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Published: Jun 30, 2023 11 min read

Does Dynamic Recovery Solutions, LLC appear as a creditor on your credit report? If so, you probably have a collection account. DRS is a collections agency working on behalf of an original creditor to collect a debt the company thinks you owe. This means you may receive harassing collection calls, excessive past-due notices and threatening letters.

Stay calm. You have rights under the Fair Debt Collection Practices Act (FDCPA). This post will explain your consumer rights and ways to remove DRS from your credit report.

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What is DRS?

Founded in 2008, DRS is a debt collection agency in Greenville, South Carolina. DRS handles all sorts of debt collections across the U.S. Creditors use DRS to collect unpaid debt in areas such as:

  • Healthcare
  • Banking
  • Utilities
  • Retail
  • Credit cards
  • Student loans

If a creditor can't collect an old debt, it will turn to a company like DRS for help.

Is DRS legit?

Although many people ask if it's a scam, DRS is a legitimate debt collection company. However, the company may use scare tactics and questionable practices to persuade debtors to make payments. In fact, a plaintiff filed a lawsuit against DRS in April 2020, citing violations of the Fair Debt Collection Practices Act (FDCPA). The results of this case are still pending.

Why is DRS contacting me?

In short, DRS agents are contacting you because they want you to settle an old debt. If you have a medical bill, student loan or any other type of debt that you didn’t pay, the original creditor will hire DRS to chase you for repayment so that they don’t have to waste any more of their own resources. For each payment you make to DRS, your original creditor gets a portion and DRS takes a portion of the amount you pay. That’s how the company makes money. If you don’t make payments, DRS doesn’t get paid. So it’s no wonder that DRS has no qualms about harassing you until you make a payment. Even then, the account may not disappear from your credit history and can harm your chances of getting a loan for years to come.

You may find the same debt shows up twice on your credit report: one account for the original creditor and another for DRS — sometimes appearing as Dynamic Recovery Solutions. This problem won’t go away on its own, and you can reduce frustration and anxiety by dealing with it as soon as possible.

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How to remove DRS from your credit report

The process to remove a collections account from your credit report is not as daunting as you may think. Follow the three steps below to get your credit report back on track:

  • Communicate via mail
  • Request debt validation
  • Negotiate a pay-for-delete

1. Request all communication by mail

Your first step is to ask DRS, or any debt collections agency you deal with, to communicate with you by mail only. The FDCPA is a federal law that gives you the right to set the terms of your correspondence with a creditor or debt collector. Among other benefits, insisting on written communication should prevent DRS from calling you early in the morning or late at night.

You’ll also have an accurate record of your correspondence. Documenting the complaint process provides evidence that you followed protocols and may make it easier for you to get relief from DRS.

Debt collectors make promises or agreements over the phone, but they don't always remember or document them. If you make an agreement in January, there may be no record of it in your DRS case file when you contact DRS in February. Then you're back to square one — a frustrating place to be. By keeping everything in writing, you have proof of the agreement and that you kept your end of the bargain. You can also produce this if you need to complain to the Federal Trade Commission or the Better Business Bureau (BBB).

2. Send a debt validation letter

Once you establish written communication, it's time to make sure the debt in question actually belongs to you and is accurate. Did you know that one in five Americans has credit report errors? Some of the information on your credit report may cast you in an unnecessarily harsh light. Consumers may find accounts they don’t recognize or accounts they’ve closed on their reports, as well as misrecorded late payments—all of which can tank your credit score. So it’s absolutely essential that you validate every debt on your credit report, especially the one that DRS is trying to collect from you.

By law, DRS must disclose your right to verify the debt within five days of their first contact with you. Once they disclose this to you, you have 30 days to send a debt validation letter. If you wait longer than that, you may not receive a reply from the debt collection agency, which is the best reason not to procrastinate.

To confirm the debt is yours, complete a Section 609 (A) form. The purpose of this form is to confirm the name, Social Security number and transaction date of the debt. If filling out the form correctly concerns you, you can find online templates to walk you through the process. If it turns out that the debt doesn’t belong to you, you need to send a letter disputing it to DRS and the credit bureau. They should remove the debt from your credit report immediately.

If you need to contact DRS, the company’s address is 135 Interstate Blvd., Ste 6, Greenville, South Carolina 29615-5720.

3. Negotiate a pay-for-delete agreement

Collection accounts on your credit report can negatively impact your credit score, even if you pay them off in full. That’s why it’s important to negotiate a pay-for-delete agreement upfront. A pay-for-delete agreement is exactly what it sounds like — the debt collection agency agrees to remove the collections account from your credit report as long as you pay your debt or an agreed-upon percentage.

You may consider offering to pay DRS half of the debt in exchange for deleting the entry on your credit report. Make sure you receive a decisive agreement in writing before making any payments. Agents may try to use tricky language to get around this arrangement, so make sure the terms of the agreement are clear and simple. For example, your agreement might contain this language: “In exchange for paying (dollar amount) on this account (account number), DRS will remove the account from my credit report with the three major credit reporting bureaus.”

After you make the payment, check your credit report after 30 days. If all goes well, you’ll find that DRS contacted all three major credit bureaus to remove the collections account from your report. If not, demand that DRS remove the account and provide proof of the agreement. If they refuse, you may consider involving a law firm.

4. Have a professional remove the DRS collection

Over the past few decades, professional credit repair companies have grown in popularity. These companies do the leg work, such as writing letters and following up on your requests. They're familiar with federal laws, including the FDCPA and the Telephone Consumer Protection Act. They will act on your behalf, saving you the time and headache of repairing your credit on your own.

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Is DRS the subject of consumer complaints ?

DRS has a litany of consumer complaints citing violations of the FDCPA. This act protects consumers from most forms of harassment from debt collectors. The Consumer Financial Protection Bureau (CFPB) reports more than 1,300 complaints concerning DRS. These complaints accuse DRS agents of attempting to collect a debt that isn’t owed, lying about their identity, using abusive or otherwise unprofessional language and improperly sharing information with employers, friends or family. The BBB reports at least another 280 complaints against DRS in the past three years.

Understanding your consumer rights when it comes to dealing with debt collectors is essential. Many people don’t know how the FDCPA protects them, and DRS has no intention of informing you of your rights. Keep track of your interactions with this company, and make a note if it does any of the following:

  • Call before 8 a.m. or after 9 p.m. without your explicit permission
  • Call your work phone number or cell phone after you ask them not to
  • Contact friends, family members or co-workers and tell them about your debt
  • Call you at a time you have told them is inconvenient
  • Use abusive language or harass you in any way
  • Lie about their identity or the amount owed
  • Threaten legal action or wage garnishment

Experiencing any of the above may entitle you to $1,000 per infraction. You would need legal representation to sue, but it may be worth it if DRS/Dynamic Recovery Services abuses you in any way.

Dealing with DRS here and now

Debt collections agencies make robocalls, leave cell phone messages, fill your mailbox with letters and sometimes make veiled threats of lawsuits, real estate liens or wage garnishments. These agencies know that these scare tactics will prompt you to pay off debts.

DRS is no exception. However, knowing your consumer rights can help you control your fear and begin the process of removing DRS from your credit report. It's important that you do this — otherwise, you'll have higher interest rates each time you apply for a loan during the next seven years. Yes, the statute of limitations on your debt may expire sooner, but that won't help your credit score. It will simply prevent a judge from ruling against you in court.

How to remove DRS from your credit report FAQs

How do I contact Dynamic Recovery Solutions?

The mailing address for Dynamic Recovery Solutions is 135 Interstate Blvd, Greenville, SC 29615. You can also contact DRS by phone at (844) 735-9451, email them at or complete the online customer service form on the DRS website. In addition, there are links on the company's website for making a secure payment, requesting a confirmation letter and initiating a dispute process.

Can Dynamic Recovery Solutions sue me?


Even if you have a relatively small debt, it's possible for Dynamic Recovery Solutions to sue you. If DRS files a lawsuit, the judge may order you to pay the debt, so taking any communication you receive from DRS seriously is important.

However, even though DRS can take legal action with regard to your debt, you are protected by the FDCPA against harassment and abuse. Debt collectors cannot use obscene language, threaten to illegally harm you or your property, threaten you with illegal actions or falsely threaten you with actions they do not intend to take. That means they cannot threaten to sue you if they have no intention of taking legal action. In addition, DRS cannot attempt to collect zombie debts, which are debts that you're no longer legally obligated to pay.

Can I negotiate a settlement program with Dynamic Recovery Solutions?

Sometimes, a settlement can save debtors and creditors significant time and resources. Negotiating a settlement with DRS that would allow you to partially repay your debt upfront or repay it at agreed-upon intervals is possible. You can also attempt to negotiate a pay-for-delete arrangement in your settlement. In exchange for repayment of the debt, DRS would contact credit bureaus like Equifax, Experian and TransUnion to remove negative information from your credit report.

Can Dynamic Recovery Solutions garnish my salary?


Wage garnishment is a legal process in which a judge can order that a portion of your wages or salary be diverted to repay a specific debt. While DRS cannot directly garnish your salary, the company can obtain a default judgment against you in court. In that case, your salary could be garnished to repay debts to DRS or one of its clients. DRS collects debts for businesses such as telecommunications providers, automotive lenders, utility service providers and financial services providers. In wage garnishment, the judgment will clearly specify who you must repay and the total amount of the debt.

Wage garnishment is not permitted in some states, and the Consumer Credit Protection Act (CCPA) offers certain provisions that can help you. In addition to limiting the amount diverted towards debt repayment, the act also forbids an employer from discharging an employee whose wages are being garnished to repay a single debt. However, an employee can be legally discharged if wages are being garnished for multiple debts.